
Spar Nord Bank A/S
CSE:SPNO

Income Statement
Income Statement
Spar Nord Bank A/S
Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Net Interest Income |
1 907
|
1 939
|
1 946
|
1 881
|
1 775
|
1 712
|
1 702
|
1 699
|
1 671
|
1 678
|
1 642
|
1 610
|
1 577
|
1 557
|
1 537
|
1 533
|
1 548
|
1 537
|
1 550
|
1 566
|
1 573
|
1 582
|
1 593
|
1 582
|
1 584
|
1 611
|
1 635
|
1 686
|
1 736
|
1 758
|
1 776
|
1 832
|
2 011
|
2 345
|
2 759
|
3 218
|
3 538
|
3 677
|
3 700
|
3 619
|
3 522
|
|
Interest Income |
2 361
|
2 320
|
2 245
|
2 127
|
1 976
|
1 887
|
1 866
|
1 856
|
1 816
|
1 809
|
1 765
|
1 719
|
1 680
|
1 662
|
1 644
|
1 651
|
1 676
|
1 667
|
1 681
|
1 692
|
1 702
|
1 730
|
1 747
|
1 744
|
1 747
|
1 768
|
1 797
|
1 867
|
1 941
|
1 984
|
2 018
|
2 078
|
2 231
|
2 683
|
3 277
|
3 965
|
4 647
|
5 059
|
5 310
|
5 394
|
5 320
|
|
Interest Expense |
453
|
381
|
299
|
246
|
201
|
175
|
164
|
157
|
145
|
132
|
122
|
109
|
103
|
105
|
107
|
117
|
128
|
130
|
131
|
126
|
129
|
148
|
154
|
162
|
163
|
157
|
162
|
181
|
205
|
226
|
242
|
246
|
220
|
338
|
518
|
747
|
1 109
|
1 382
|
1 610
|
1 775
|
1 798
|
|
Non Interest Income |
1 487
|
1 676
|
1 719
|
1 705
|
1 709
|
1 360
|
1 432
|
1 580
|
1 668
|
1 823
|
1 845
|
1 730
|
1 752
|
1 711
|
1 811
|
1 891
|
1 797
|
1 849
|
1 771
|
1 863
|
1 934
|
1 789
|
1 826
|
1 812
|
1 900
|
2 089
|
2 156
|
2 190
|
2 246
|
2 204
|
2 082
|
2 114
|
2 309
|
2 418
|
2 553
|
2 563
|
2 306
|
2 344
|
2 307
|
2 306
|
2 360
|
|
Revenue |
3 394
N/A
|
3 615
+6%
|
3 665
+1%
|
3 586
-2%
|
3 484
-3%
|
3 072
-12%
|
3 134
+2%
|
3 279
+5%
|
3 339
+2%
|
3 500
+5%
|
3 488
0%
|
3 340
-4%
|
3 329
0%
|
3 268
-2%
|
3 348
+2%
|
3 425
+2%
|
3 345
-2%
|
3 386
+1%
|
3 321
-2%
|
3 429
+3%
|
3 507
+2%
|
3 371
-4%
|
3 419
+1%
|
3 394
-1%
|
3 484
+3%
|
3 700
+6%
|
3 791
+2%
|
3 876
+2%
|
3 982
+3%
|
3 962
-1%
|
3 858
-3%
|
3 946
+2%
|
4 320
+9%
|
4 763
+10%
|
5 312
+12%
|
5 781
+9%
|
5 844
+1%
|
6 021
+3%
|
6 007
0%
|
5 925
-1%
|
5 882
-1%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Loan Loss Provision |
(603)
|
(605)
|
(597)
|
(547)
|
(373)
|
(323)
|
(347)
|
(321)
|
(292)
|
(249)
|
(149)
|
(45)
|
7
|
48
|
10
|
(80)
|
(173)
|
(205)
|
(157)
|
(116)
|
(22)
|
(187)
|
(255)
|
(299)
|
11
|
(136)
|
26
|
94
|
415
|
129
|
21
|
(17)
|
(78)
|
(86)
|
(76)
|
(28)
|
33
|
66
|
65
|
41
|
25
|
|
Non Interest Expense |
(2 086)
|
(2 121)
|
(2 134)
|
(2 166)
|
(2 037)
|
(2 004)
|
(1 985)
|
(1 971)
|
(2 019)
|
(2 030)
|
(2 060)
|
(2 093)
|
(2 085)
|
(2 096)
|
(2 105)
|
(2 100)
|
(2 078)
|
(2 129)
|
(2 116)
|
(2 156)
|
(2 183)
|
(2 185)
|
(2 222)
|
(2 232)
|
(2 577)
|
(2 302)
|
(2 361)
|
(2 399)
|
(2 696)
|
(2 429)
|
(2 426)
|
(2 462)
|
(2 512)
|
(2 549)
|
(2 592)
|
(2 652)
|
(2 736)
|
(2 797)
|
(2 872)
|
(2 919)
|
(3 001)
|
|
Pre-Tax Income |
705
N/A
|
889
+26%
|
934
+5%
|
873
-7%
|
1 074
+23%
|
745
-31%
|
802
+8%
|
988
+23%
|
1 028
+4%
|
1 222
+19%
|
1 279
+5%
|
1 202
-6%
|
1 251
+4%
|
1 220
-2%
|
1 253
+3%
|
1 245
-1%
|
1 094
-12%
|
1 052
-4%
|
1 048
0%
|
1 157
+10%
|
1 302
+13%
|
999
-23%
|
942
-6%
|
863
-8%
|
918
+6%
|
1 262
+37%
|
1 456
+15%
|
1 571
+8%
|
1 701
+8%
|
1 662
-2%
|
1 453
-13%
|
1 467
+1%
|
1 730
+18%
|
2 128
+23%
|
2 644
+24%
|
3 101
+17%
|
3 141
+1%
|
3 290
+5%
|
3 200
-3%
|
3 047
-5%
|
2 906
-5%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(91)
|
(123)
|
(129)
|
(115)
|
(177)
|
(147)
|
(155)
|
(180)
|
(190)
|
(231)
|
(248)
|
(255)
|
(262)
|
(237)
|
(210)
|
(206)
|
(174)
|
(181)
|
(213)
|
(210)
|
(243)
|
(180)
|
(174)
|
(174)
|
(181)
|
(254)
|
(288)
|
(308)
|
(333)
|
(313)
|
(264)
|
(264)
|
(313)
|
(430)
|
(556)
|
(682)
|
(720)
|
(757)
|
(742)
|
(718)
|
(684)
|
|
Income from Continuing Operations |
614
|
766
|
806
|
758
|
897
|
597
|
647
|
808
|
838
|
990
|
1 031
|
947
|
989
|
983
|
1 043
|
1 038
|
920
|
871
|
835
|
947
|
1 059
|
819
|
768
|
689
|
737
|
1 008
|
1 168
|
1 263
|
1 368
|
1 349
|
1 189
|
1 203
|
1 417
|
1 698
|
2 088
|
2 419
|
2 421
|
2 533
|
2 458
|
2 329
|
2 222
|
|
Net Income (Common) |
614
N/A
|
766
+25%
|
805
+5%
|
750
-7%
|
883
+18%
|
578
-35%
|
622
+8%
|
783
+26%
|
812
+4%
|
958
+18%
|
993
+4%
|
903
-9%
|
940
+4%
|
934
-1%
|
994
+6%
|
990
0%
|
871
-12%
|
823
-6%
|
787
-4%
|
898
+14%
|
1 010
+12%
|
770
-24%
|
716
-7%
|
639
-11%
|
688
+8%
|
959
+39%
|
1 118
+17%
|
1 209
+8%
|
1 307
+8%
|
1 288
-1%
|
1 132
-12%
|
1 150
+2%
|
1 370
+19%
|
1 651
+21%
|
2 041
+24%
|
2 372
+16%
|
2 374
+0%
|
2 486
+5%
|
2 411
-3%
|
2 281
-5%
|
2 175
-5%
|
|
EPS (Diluted) |
4.89
N/A
|
6.1
+25%
|
6.34
+4%
|
5.98
-6%
|
7.05
+18%
|
4.61
-35%
|
4.97
+8%
|
6.25
+26%
|
6.54
+5%
|
7.85
+20%
|
8.07
+3%
|
7.25
-10%
|
7.65
+6%
|
7.67
+0%
|
8.12
+6%
|
8.12
N/A
|
7.08
-13%
|
6.7
-5%
|
6.4
-4%
|
7.34
+15%
|
8.22
+12%
|
6.41
-22%
|
5.96
-7%
|
4.9
-18%
|
5.6
+14%
|
7.79
+39%
|
9.23
+18%
|
9.82
+6%
|
10.63
+8%
|
10.73
+1%
|
8.82
-18%
|
9.52
+8%
|
11.15
+17%
|
13.63
+22%
|
17.09
+25%
|
19.85
+16%
|
19.92
+0%
|
21.15
+6%
|
20.32
-4%
|
19.87
-2%
|
18.76
-6%
|